sector would come back. this is not going to happen overnight, but you have to have an environment that lows it to happen. i think congress has to do something. they have to do something to bring fha in. gerri: that idea, you know, helping low-income people, forget about it. i want to ask you quickly, what is really a pr effort going on to makepeople want to keep fha. here is shaun donovan saying that they have weathered the storm by taking the most aggressive and sweeping action in the history of reform. trying to make the point today that we have more money coming. everything is going to be okay. americans, go ck to sleep, keep sending us your taxpayer dollars. >> aolutely not. what they are not mentioning, and they did this a year ago when they came out with a report, they knew the projected house price numbers were completely wrong. they basically ignore that. then they made a correction this time to the tune of $10 billion. well, this time they are using interest rates from july, and they are basically saying that mortgage rates are going to double by the third quarter of 14.